Home Insurance in Patterson Heights, Pennsylvania
Homes in Patterson Heights carry a median value of $218,500 - 14% higher than the Beaver County median.
The median home in Patterson Heights was built in 1939 or earlier. About 86% of homes were built before 1960, about 31 points above Beaver County's 55%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Patterson Heights, the housing stock is 90% single-family homes and 8% apartments in buildings with 5+ units.
In Patterson Heights, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Patterson Heights are owner-occupied.
Most homes in Patterson Heights - 91% - are primarily heated with natural gas.
Beaver County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Beaver County had 304 active NFIP flood policies as of September 2026. See the full Beaver County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Pennsylvania carries a statewide average premium of $1,217 per year.
Key figures
| Median home value | $218,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Beaver County | 304 |
| Home insurance premium | $1,217 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)